*Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score and loan to value at the time of application. Rates are subject to change.
**Direct financial benefits to members during the 12 months ending September 2021 as defined in the CUNA Membership Benefits Report for Arbor Financial Credit Union. For more information regarding this analysis, please visit www.datatrac.net/memberbenefits. ©CUNA, ©Datatrac
***$688 is the difference between the amount paid in interest between Arbor Financial's rate of 7.50% APR compared to 12.90 for the Kalamazoo Michigan market average over the life of a $5,000 credit card over 36 months. Analysis by Datatrac as of 8/1/2022.
+Annual Percentage Yield (APY). Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you simply do not receive interest for the month.
2. Direct deposits and other Automated Clearing House (ACH) credits may post to your account up to five days early with the Early Pay service. The Early Pay service is dependent upon when the deposits are originated from the sender and received by the Credit Union, and we cannot guarantee deposits will post prior to their anticipated settlement date. The Credit Union is not responsible for delays in posting due to unforeseen circumstances. The Credit Union, in its sole discretion, may determine whether certain deposit payments, deposit types, or member accounts are excluded from the service. The terms and conditions for Early Pay are subject to change, at any time, without advance notice. Not applicable to business, loan, or mortgage accounts.
3. Maximum of two skipped payments per year, and eight for the life of the loan. Not applicable to first mortgages, certificate-secured loans, credit cards, HELOCs, Home Equity Loans, personal LOCs, business loans, Fresh Start auto loans, or delinquent loans. Any new loans recently closed must have at least 3 consecutive payments made to be eligible. Membership must be in good standing. Some terms and conditions apply.
4. Annual Percentage Rate (APR). Rate effective 11/7/22 for a limited time. Rate may vary depending on credit history and underwriting factors. Subject to credit approval. Program, rate, terms and conditions subject to change without notice.
5. Qualifying borrowers may be eligible to defer their first payment for up to 90 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement and is collected on the first payment(s) applied.
7. Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. Minimum balance of 1.26% APY for balances from $500-$249,999.99. Explorer's Club minimum balance of $100. 2.02% APY for balances $250,000 and greater. Early withdrawal penalties apply and will reduce earnings. Rates and offers subject to change at any time without notice. APY as of August 12, 2022 for a limited time.
8. Annual Percentage Rate (APR). Rate effective 10/11/22 for a limited time. Rate may vary depending on credit history, term of loan, and underwriting factors. Subject to credit approval. Programs, rates, terms and conditions subject to change without notice. Refinancing of an existing Arbor Financial loan will require $1,000 of new money to qualify for the special rate. For a $10,000 loan for a term of 84 months with a 7.99% APR, the monthly payment will be $156.
9. Qualifying borrowers may be eligible to defer their first payment for up to 60 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement and is collected on the first payment(s) applied. Promotional period October 1 – December 31, 2022.
10. The drawing is open to all legal Michigan residents who are 18 years or older. No purchase is necessary. Promotional period October 11, 2022 – December 15, 2022. For official rules, click here.
11. 22-Month CD Special: Annual Percentage Yields (APYs) earned on certificates are calculated by the actual daily balance method and are paid and compounded monthly. 2.78% APY for balances from $500-$249,999.99. 3.56% APY for Balances $250,000 and greater. Early withdrawal penalties apply and will reduce earnings. Minimum balance of $500. Explorer’s Club minimum balance of $100. Rates and offers subject to change at any time without notice. APY as of October 17, 2022 for a limited time.
12. The drawing is open to all eligible high school senior members who submit an essay and application during the promotion period. No purchase necessary. Promotional period from November 1, 2022 - 11:59 p.m. January 8, 2023. Participation in the promotion does not provide any advantages in scholarship selection. For full official rules, click here.
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